Henderson County, Tennessee

County Distress Index: Elevated · 58.1 | 28,070 people · 53rd most distressed in Tennessee
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Henderson County, TN registers elevated household financial distress with a score of 58.1 — 986th nationally out of 3144 counties. The primary driver is Debt & Delinquency, where residents carry heavy debt burdens with elevated delinquency and collections rates. Within Tennessee, it ranks 53rd of 95 counties. Among its 5 neighboring counties, 4 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Henderson County's primary driver is Debt & Delinquency at 72.8 — above the national median.

Debt & Delinquency Primary driver 72.8
Debt in Collections 75
Medical Debt 91
Student Loan Delinquency 69
Auto Loan Delinquency 30
Credit Card Delinquency 75
Bankruptcy Filing Rate 96
Community Vulnerability 70.8
Uninsured Rate 75
Disability Rate 66
Employment & Wages 60.5
Unemployment Rate 61
Wage-to-Rent Ratio 36
Business Formation Rate 85
Income & Poverty 54.9
Poverty Rate 54
Income vs. State Median 59
Child Poverty Rate 52
Housing Cost Burden 31.3
Rent-Burdened (30%+) 17
Severely Rent-Burdened (50%+) 31
Mortgage-Burdened (30%+) 6
Homeownership Rate 64
Rent-to-Income Ratio 39

Scores are percentile-based: 50 = national median, higher = more distressed. The median line is shown on each bar.

Neighbors and Peers

How Henderson County compares to its 5 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Henderson County
Henderson County, TN 58.1 Elevated —
Carroll County, TN 67.6 Serious +9.5
Madison County, TN 67.2 Serious +9.1
Hardin County, TN 64.8 Elevated +6.8
Decatur County, TN 58.2 Elevated +0.2
Chester County, TN 52.7 Elevated -5.4

Population Peers

County Score Zone vs. Henderson County
Gogebic County, MI 58.1 Elevated +0.0
Garvin County, OK 58.1 Elevated -0.0
Caswell County, NC 58.1 Elevated +0.0
Union County, OR 58.1 Elevated +0.0
Choctaw County, AL 58.1 Elevated +0.0

Download Data

Export all distress indicators for Henderson County as a CSV file.

Find Help in Henderson County

Find an Attorney

Tennessee Bar Association — Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Tennessee Bar Association — Lawyer Referral Service 615-383-7421

Free Legal Aid

Legal aid organizations serving Henderson County residents at no cost.

Legal Aid Society of Middle Tennessee and the Cumberlands 615-244-6610 (Nashville); 1-888-244-6610 (statewide hotline)
West Tennessee Legal Services 731-423-0616
Legal Services of South Central Tennessee 931-381-5533
Tennessee Justice Center 615-255-0331
Appalachian Regional Commission — East Tennessee Legal Aid 865-674-0260
Legal Aid of East Tennessee (865) 637-0484

American Default Research does not endorse, rate, or rank any provider. Verify attorney credentials with your state bar.

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Frequently Asked Questions

  • What is the distress score for Henderson County, Tennessee?

    Henderson County has a County Distress Index score of 58.1 out of 100, placing it in the Elevated zone. It ranks 986th nationally out of 3,144 counties and 53rd in Tennessee out of 95 counties.

  • What drives financial distress in Henderson County?

    The primary driver of distress in Henderson County is Debt & Delinquency, where the county scores 72.8 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Student Loan Delinquency.

  • How does Henderson County compare to neighboring counties?

    Henderson County (58.1) can be compared to its 5 neighboring counties: Carroll County, TN (67.6); Madison County, TN (67.2); Hardin County, TN (64.8).

  • How is the County Distress Index calculated?

    The County Distress Index uses percentile-rank averaging across five domains: Debt & Delinquency, Income & Poverty, Housing Cost Burden, Employment & Wages, and Community Vulnerability. Each county's indicators are ranked against all 3,144 U.S. counties. A score of 50 means the county is at the national median; higher scores indicate greater distress.

  • What is the population of Henderson County?

    Henderson County, Tennessee has a population of approximately 28,070 (2023 Census estimate), classified as a small county.